I appreciate all of the comments. To clarify, if we looked at a home and we're thinking of making an offer, at that point our realtor would get a copy of the hoa rules. That seems to be the norm, at least around here. No one in their right mind would make an offer without knowing the rules you will have to live with.
We currently live in a suburb just a few miles north of Detroit. This is an older neighborhood with most of the houses being built in the 40's or 50's. We'd like to move about 15 miles north of here. Most of the homes in this area are substantially newer and have hoa's.
In regards to hoa's there are pros and cons. In my current home (all residential, not rural)I have to put up with things like trailers, boats, and mobile homes parked in the driveway, people that don't trim there bushes (to the point you can barely see the front of the house), leave their cars on jacks for weeks while they work on them, paint their house bright green or purple, rarely cut their lawn and in general let their property get to the point that it makes the whole neighborhood look bad. Part of this is just the reality of what my neighborhood is becoming. And yes you can complain to the city, but it has to be really bad for them to step in.
With a hoa you shouldn't have this. I'm still not a fan of them, but can see why people like them. So I guess, my hope is to find a place where the hoa is reasonable. Like they will let me put in a pond as long as it is done nice and I put a nice fence around my property, but they won't tell me I can only paint my front door hunter green.
Just was wondering if anyone had dealt with the pond / hoa thing.